Good luck john,if the bank wont give you the money approach your supplier,very often they'll give you a descent package of gear which you can pay off over a couple of years,might not be of much use to you,but it helped me loads
Good point BF, I did get the same offer after a while and maybe didn't use it as much as I should have. They tell me it's different days now though with very little extended credit facilities being offered now, might be wrong though.
Have you done a business plan or cash flow forcast or anything like that .
If I was Bank manager Think I would be asking you , " In the current economic climate where everyone is chasing every job and sharpening their pencils more an more, What are you going to do, to make you and your company stand out from the crowd.
Try expect something along them lines if you are applying for a business loan.
If its a personal loan just tell them you earn lots and spend little